Auto Insurance
Named Non-Owner Policy
Auto liability coverage for drivers who don't own a vehicle — covers rentals, borrowed cars, and SR-22 filings.
Last reviewed: May 2026 · Editorial methodology
Definition
A named non-owner policy provides liability (and sometimes UM/UIM and MedPay) coverage for individuals who drive but do not own a vehicle. It is commonly used by drivers who need to maintain an SR-22 or FR-44 filing, people who rent cars frequently, and those who regularly borrow vehicles from friends or family. Coverage follows the driver, not the car, and it pays in excess of any insurance on the borrowed vehicle. Non-owner policies are significantly cheaper than standard auto policies — often $200–$500 per year — because they are designed for lower-frequency drivers.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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